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1 STATE BANK OF SPRING HILL INTERNET BANKING AGREEMENT Internet banking is not available to children under 18 years of age. PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. This agreement, which includes the Online Banking Enrollment Form and the Fee Schedule (as it may be changed from time to time), governs your use of the online banking services offered by State Bank of Spring Hill, Kansas. By using the online banking services offered by the Bank, you accept all of the terms and conditions of this Agreement. Please read it carefully. The terms and conditions of the deposit agreements and disclosures for each of your Accounts at the Bank as well as your other agreements with the Bank, such as any loans you may have, continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is subject to applicable federal laws and the laws of the State of Kansas, except to the extent this Agreement can and does vary such laws. In the event any portion of this Agreement is determined to be unenforceable, then the remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference purposes only and will not govern the interpretation of the provisions of this Agreement. Your continued use of the online banking services offered by the Bank following receipt of a notice of a change to this Agreement is considered your acceptance of a change to the Agreement. 1. THE SERVICE In the agreement, Customer refers to the person(s) subscribing to or using the Service, the Customer agrees as follows. You may use a Personal Computer( PC ) through an Internet connection to obtain account balances and transaction information. You may also use your PC to obtain statements on your accounts and to transfer money between your accounts. However, transfers from your savings and Money Market accounts are considered preauthorized transfers, and pre-authorized transfers are limited to six (6) per monthly statement cycle by federal regulations. In addition, through the Bank s Online Bill Pay Service you may use your PC to electronically direct us to make payments from your account to third parties ( Payees ) that you have selected to receive payment through the Service. You may make payments through the Service to any business professional, merchant, family member, or friend. The ( Account ) means your designated bill payment checking account at State Bank of Spring Hill from which we make bill payments on your behalf pursuant to this Agreement. By subscribing to the Service or using the Service to make any payments to a third party, you agree to the terms of the Agreement.

2 2. Your Merchant List. You may include all utility companies, merchants, financial institutions, insurance companies, individuals, etc. whom you wish to pay through State Bank of Spring Hill Online Bill Pay. Include a complete mailing address, telephone number and your account number for each payee. We reserve the right to decline to make payments to certain persons and entities. 3. Your User Code and Password Each Individual who has access to State Bank of Spring Hill s Online Banking, including each individual named on joint accounts, must have a Password and a user code. Your Password must be a minimum of 8 characters, up to a maximum of 17 characters, which must consist of at least (2) numeric characters, plus (2) alpha characters (all upper case). For example, your Password may be: STAR2LITE2. You will be required to change you Password periodically to enhance security. 4. Scheduling Payments. You may choose to add Bill Pay and use your PC to electronically schedule payments with the State Bank of Spring Hill s Online Bill Pay Service. Payments are posted against your balance available for withdrawal, as defined in the Bank s Funds Availability Policy, plus the available credit on your overdraft protection, if any, or other line of credit. 5. Delivery of Your Payments and Transfers. You may schedule payments to be initiated on the current business day, on a future date, or on the same date of each month subject to the restrictions in the Agreement. Although you can enter payment information through the Service twenty-four (24) hours a day, seven (7) days a week, payments can be initiated only on business days. Funds will be deducted from your Account on the business day on which a payment is to be initiated. This date is referred to in this Agreement as the Transaction Date. If you direct the initiation of a payment to occur on a day other than a business day, it will be initiated on the following business day. After funds are withdrawn from your Account, we may remit your payments by mailing your Payee a check, by electronic funds transfer, including ACH (Automated Clearing House) or by other means. Because of the time it takes to send your payment to them, your Payees generally will not receive payment on the Transaction Date. This applies regardless of whether the payment is a next-day payment, a future payment, or a recurring payment, as described below. Therefore, in order to provide sufficient time for payments to be received by your Payees, Transaction Dates should be prior to the date your payment is due, excluding any applicable grace periods ( Due Date ). It is helpful if you allow additional time for a payment to be completed the first time you send a payment to a Payee through the Service. This allows Payee to adjust to new form of payment. You may schedule a payment to be initiated on any business day or any future date. Payments must be scheduled

3 by the normal cut-off time of 6:00 p.m. (ST) on any business day in order for payment to be initiated for that business day. Transfers must be scheduled by normal cut-off time of 6:00 p.m. (ST) on any business day in order for transaction to be completed on that business day. 6. Recurring Payments. Recurring payments are those made for the same amount and are made on a weekly, bi-monthly, monthly basis, etc. Once started, recurring payments will be made automatically until you tell us to stop or cancel the service and we have a reasonable opportunity to react. 7. Our Liability for Failure to Complete Transactions. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we might be liable for some of your losses or damages. However, there are some exceptions. We will not be liable for instance: a. if, through no fault of ours, you do not have enough money in your account to make the transfer; b. if, money in your account is subject to legal process or other encumbrances restricting transfer; c. if, transfer would go over credit limit on your overdraft line of credit (if any); d. if, automated teller machine or the merchant where you are making the transfer does not have enough cash; e. if, the system was not working properly when you started the transfer; f. if, circumstances beyond our control (such as fire or flood or systems failure) prevent the transfer, despite reasonable precautions that we have taken; or g. if, the payee mishandles or delays handling payments sent by us. 8. Canceling Payment. You may use your PC to cancel a payment up to 6 p.m. (ST) on the business day your payment is scheduled to be initiated ( Transaction Date: ). There is no fee for canceling a payment Online. 9. Statements. All payments, transfers, and/or fees made with the State Bank of Spring Hill Online Banking Service will appear on your monthly Account statement. The Payee name, payment amount, and date of the payment will be shown for each payment made through the Service during that month.

4 10. Fees. Fees for State Bank of Spring Hill Services shall be payable in accordance with a schedule of charges as established and amended by State Bank of Spring Hill from time to time. Charges shall be automatically deducted from customer s Account, and State Bank of Spring Hill shall provide to Customer monthly notice of such debit(s) on your statement. 11. Equipment. You are solely responsible for the equipment (including, in the case of Online Banking, your personal computer and software) you use to access the Services. We are not responsible for errors or delays or your inability to access the Services caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon. 12. Business Days/Hours of Operation. Our business hours are: Lobby: 9:00 A.M 3:00 P.M Tuesday thru Friday 9:00 A.M. 12:00 P.M. Saturday Drive-up 8:00 A.M. - 6:00 P.M. Monday thru Friday 8:00 A.M. -12:00 P.M. Saturdays The exceptions are bank holidays. Although payments and transfers can be completed only on business days, the Service is available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling of payment orders and transfers. 13. Notice of Your Rights and Liabilities. Security of your transactions is important to us. Use of the Services may therefore require a password. If you lose or forget your password, please call during normal business hours listed above. We may accept as authentic any instructions given to us through the use of your user code and password. You agree to keep your user code and password secret and to notify us immediately if your user code or password is lost or stolen or if you believe someone else has discovered your user code or password. You agree that if you give your user code or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Services. Online Banking Services enables you to change your password; we may require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services;

5 and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your user code or password was used in connection with a particular transaction. If any unauthorized use of your user code or password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. Tell us AT ONCE if you believe your user code or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within four (4) business days, you can lose no more than $50. If you do NOT tell us within four (4) business days after you learn of the loss or theft of your user code or password, and we can prove we could have stopped someone from using your user code or password without your permission if you had told us, you could lose as much as $300. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your User code or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (913) during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN USER CODES OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA Error and Questions. In case of errors or questions about your electronic transactions, telephone us at (913) :00 A.M. thru 3:00 P.M. Tuesday thru Friday or 9:00 A.M. thru 12:00 P.M. on Saturdays, or contact us at: State Bank of Spring Hill 201 S. Webster, P.O. Box 387 Spring Hill, Ks as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to: a. tell us your name and Account number. b. describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and c. tell us the dollar amount of the suspected error.

6 If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) business days following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to fortyfive (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. If we determine there was NO error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. 15. Disclosure of Account Information to Third Parties. We may disclose information to third parties about your account or the transactions you make: a. where it is necessary for completing transactions or resolving errors involving the Services; or b. in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or c. in order to comply with government agency rules, court orders, or other applicable law; or d. to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or e. if you give us your permission. 16. Authorization to Obtain Information. You agree that we may obtain and review your credit report from a credit bureau or similar entity. You also agree that we may obtain information regarding your Payee Accounts in order to facilitate proper handling and crediting of your payments. 17. Termination. If you want to terminate your access to the State Bank of Spring Hill Services, call us at (913) After receipt of your call, we will send a written termination authorization for your signature and return to us. In order to avoid

7 imposition of the next monthly fee, we must receive your written authorization to terminate three (3) days before your service charge is scheduled to assess. RECURRING TRANSFERS WILL NOT NECESSARILY BE DISCONTINUED BECAUSE YOU TERMINATE ACCESS TO THE SERVICES. IF YOU WANT TO MAKE SURE THAT RECURRING TRANSFERS BETWEEN ACCOUNTS ARE STOPPED, YOU MUST FOLLOW THE PROCEDURES IN THE CANCELING PAYMENTS PARAGRAPH ABOVE. We reserve the right to terminate the State Bank of Spring Hill Services at any time with or without cause and without prior written notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. We also reserve the right to temporarily suspend the Services in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your PIN or password as an indication of an attempted security breach. Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination. 18. Limitation of Liability. Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the State Bank of Spring Hill Service s or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment. 19. Waivers: No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the State Bank of Spring Hill. 20. Assignment. You may NOT transfer or assign your rights or duties under this Agreement. 21. Governing Law. The laws of the state of Kansas shall govern this Agreement and all transactions Hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

8 22. Amendments We can change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days before the effective date of any such change. We do not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of our system or an account. However, even in these cases, if the change is to be made permanent, we will provide you with a notice of the change with the next regularly scheduled periodic statement we send you, or within thirty (30) days, unless disclosure would jeopardize the security of our system or an account. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the most recent address we show for you in either our Checking or Savings Account records, or address in which you authorized to receive such notices and/or disclosures. 21. Indemnification. Customer, in consideration of being allowed access to the State Bank of Spring Hill Services, agrees to indemnify and hold the State Bank of Spring Hill harmless for any losses or damages to the BANK resulting from the use of the Services, to the extent allowed by applicable law. 22. Security Procedures. By accessing the Services, you hereby acknowledge that you will be entering a protected web site owned by the State Bank of Spring Hill, which may be used only for authorized purposes. The BANK may monitor and audit usage of the System, and all persons are hereby notified that use of the Services constitutes consent to such monitoring and auditing. Unauthorized attempts to up-load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of Fee Schedule: (Items noted in schedule to be effective JULY 1, 2005) Basic Service (account info. and funds transfers) No monthly fee. Bill Payment Service $5.00 per mo. Includes 15 bill payments. Bill payments over 15 per mo. $.50 per payment Exceeding number of permitted transfers(savings accounts and other accounts with limited transaction privileges. $3.00 per excess Insufficient funds (transfers or bill payments) $25.00 each Item Images 2 free per statement cycle, after 2 $. 25 cents per item. These fees are in addition to fees that you would otherwise incur based on maintaining your Accounts (such as monthly maintenance fees or activity fees),

9 and are in addition to interest or any other charges that you may incur under your overdraft line of credit agreement or margin agreement (if applicable). I/We understand that I/We are the only individual(s) authorized to use Internet Banking and that use of the Internet Banking signifies agreement to the terms and conditions set forth in this On Line Banking Internet Agreement which will be furnished to me/us. I/We are owners of account(s) to be viewed through On-Line Banking. If you wish to access accounts on different ports you will need 2 internet agreements and passwords numbers. Signature(s) The undersigned agree(s) to the terms stated in this Agreement and acknowledge(s) receipt of a completed copy on today s date. Signed: Name: Date: Name: Date: Name: Date:

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